| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $83K | $7K | $90K | 3.56% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $29K | $12K | $41K | 20.49% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 1322 PINE BROOK TOMBALL, TX 77375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.68% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.07% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | $0 | $325 | 2.49% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 0.80% |
| RONDA WHEELER COOK3 | 14814 EVERGREEN RIDGE WAY HOUSTON, TX 77062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.67% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 6918 GOLDSTRUM WAY KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.61% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 427 | $2.5M |
| Dental | HEALTH CARE SERVICE CORPORATION | 427 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 67 | $202K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 67 | $202K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 67 | $202K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 67 | $202K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 67 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.